Every Etsy fee calculator tells you the same thing: the dollars Etsy takes. That number is almost useless on its own. What decides whether an order was worth making is what the fees take out of your margin — and on a thin-margin piece, a 6.5% fee can be most of everything you were going to keep.
So this one reports that share first. Put in what you charge and what the piece actually costs you, and it shows the fees, what reaches you, and the one figure the others leave out.
Free tool
Etsy fee calculator
Etsy’s published US rates, applied to one order, with the share of your margin they take. Nothing is sent anywhere — it all runs in your browser.
| Listing fee | — |
| Transaction fee | — |
| Payment processing | — |
| Offsite Ads fee | — |
| Total Etsy fees | — |
| Your costs — item, packing and the postage label | — |
| Gross margin before Etsy touches it | — |
| What actually reaches you | — |
Where these numbers come from
Every rate in the calculator is Etsy’s own published rate, read on 3 October 2026. Nothing here is a remembered figure or a rate copied from another blog, and none of it comes from a seller dashboard: I do not sell on Etsy and I cannot — Etsy Payments does not operate in Bangladesh, which is where my own shop is. Everything about Etsy on this site is built from pages anyone can open and check, and dated so you can tell when it goes stale.
| Fee | Published rate | Charged on |
|---|---|---|
| Listing | $0.20 | Each listing, which expires after four months |
| Transaction | 6.5% | The price you display plus shipping and gift wrapping |
| Payment processing (US bank) | 3% + $0.25 | The total sale price, including shipping and sales tax |
| Offsite Ads | 15% or 12% | Attributed orders only, capped at $100 per order |
The fee that matters is not the one on the invoice
On a $38 order with free shipping, Etsy’s fees come to $4.06. Whether that is cheap or ruinous depends entirely on a number Etsy never sees: what the piece cost you to make.
If the piece cost you $12 to make and pack, and the postage label $5.60, your gross margin before Etsy is $20.40, and the fees take 20% of it. If the same piece cost you $26, your gross margin is $6.40 and the identical $4.06 of fees takes 63%. Same fee, same platform, same order — and in one case you are running a business, in the other you are running a hobby with extra steps.
This is not a hypothetical about thin margins. It is the shop I actually run.
My silver shop prices every piece the same way: metal weight at a published rate, plus a making charge. The customer can look up the metal rate, so there is no room to mark it up — the raw material is about 84% of what I charge. On a worked example from my own costing, the gross margin before any shipping comes to 6.3% of the sale price. Etsy’s transaction fee alone is 6.5%. On an order like that, the transaction fee by itself is larger than everything the shop was going to keep — before the listing fee, before payment processing, before a single cent of postage.
That 6.3% is computed from my own stated costs, not measured off an Etsy order — see the full working on my own shop’s margin. The point is not that Etsy is expensive. The point is that a percentage fee is meaningless until you know the percentage it is eating, and almost nobody calculates that second number.
Offsite Ads: the 15% that can become permanent
Offsite Ads is the fee most calculators omit entirely, and it is the one with a rule attached that changes your business rather than just your invoice.
- Under $10,000 in any consecutive 365-day period: the fee is 15% of an attributed order, and you can opt out.
- At or above $10,000 in any consecutive 365-day period: the fee drops to 12% — and participation becomes mandatory. Etsy’s wording is that you are required to participate for the lifetime of your shop.
- The fee on a single order never exceeds $100, however large the order.
Read that second line again. The threshold is not an annual reset — it is any rolling 365-day window, and crossing it once is permanent. A single good quarter locks the shop in. That is worth knowing before you decide whether to chase a sales target, not after, and it is why the calculator has an Offsite Ads field at all: set it to 15 or 12 and look at what happens to the margin share.
On the $38 example above with a $12 cost, switching Offsite Ads on at 15% takes the fee share of your margin from 20% to 48%. The order still makes money. It makes less than half as much.
What this calculator leaves out, on purpose
- Sales tax. Etsy’s payment processing fee is charged on the total including the sales tax Etsy collects and remits for you. The tax rate depends on where your buyer is, so putting an average in here would be inventing a number. If you want the exact figure, add roughly 3% of the tax amount.
- Currency conversion. If your bank account is not in the currency of the sale, Etsy converts it and takes a cut of the conversion. That depends on your country.
- Etsy Plus ($10 a month) and Etsy Ads, the onsite kind you set a daily budget for. Both are monthly decisions, not per-order ones, and mixing them into a per-order number hides what they really cost.
- Returns. A return rate does not belong in a single-order calculator — but it belongs in your costing, and it is the line sellers most often leave out entirely. The true cost per order calculator handles that one.
Three things to do with this
- Run your worst-margin listing through it, not your best. The piece you are proudest of is rarely the one quietly losing money. Sort your listings by price and start at the bottom.
- Look at the margin share, not the dollar total. If Etsy’s fees are taking more than about a third of your gross margin on a listing, the price is wrong or the listing should not exist. Decide which.
- Set the Offsite Ads field to 15 before you plan a growth push. If a listing only works with Offsite Ads switched off, remember that you may not get to keep that choice. The threshold is rolling and the lock is permanent.
If you want the fees explained rather than calculated, every Etsy fee worked through on a single $38 order does exactly that, line by line. And if free shipping is what is eating the margin, that has its own post and its own real numbers.
Sources, all read 3 October 2026: Etsy’s Fees and Payments Policy, Etsy’s payment processing fees and How Etsy’s Offsite Ads work. Etsy changes these; the date above is when they were last checked here.
Questions people ask about Etsy fees
How much does Etsy take per sale in total?
On a US order with no Offsite Ads, roughly 9.5% plus 45 cents: 6.5% transaction, 3% payment processing, 25 cents fixed processing and 20 cents for the listing. On a $38 order that is $4.06. If the order is attributed to an Offsite Ad, add 15% or 12% of the order on top.
Does Etsy charge the transaction fee on shipping?
Yes. The 6.5% applies to the price you display plus what you charge for shipping and gift wrapping. This is why offering free shipping and raising the item price is not fee-neutral in the way people assume — the fee follows the money either way, but your postage cost does not disappear.
Can I avoid the Offsite Ads fee?
Only until your shop makes $10,000 in any consecutive 365-day period. Below that you can opt out. Once you cross it — in any rolling 365-day window, not a calendar year — Etsy’s own wording is that you are required to participate for the lifetime of your shop. The rate falls from 15% to 12% at that point, but the choice goes away.
Why does this calculator ask what my item costs me?
Because the fee in dollars tells you almost nothing. The same $4.06 is 20% of your margin on one listing and 63% on another. The share is the number that decides whether an order was worth taking, and it cannot be worked out without your cost.
Is the 3% payment processing fee the same everywhere?
No. Payment processing depends on the country of your bank account; 3% + $0.25 is the United States rate. The field is editable for that reason. The 6.5% transaction fee and the $0.20 listing fee are the same wherever you are.
Do listing fees repeat?
A listing costs $0.20 and lasts four months or until it sells. If you renew it, manually or automatically, that is another $0.20. On a slow-selling one-of-a-kind piece the renewals can quietly outrun the margin, which is a good argument for checking the oldest listings in a shop rather than the newest.